WO2022137561A1 - マーケティング支援装置、システム及び方法並びに非一時的なコンピュータ可読媒体 - Google Patents

マーケティング支援装置、システム及び方法並びに非一時的なコンピュータ可読媒体 Download PDF

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Publication number
WO2022137561A1
WO2022137561A1 PCT/JP2020/048943 JP2020048943W WO2022137561A1 WO 2022137561 A1 WO2022137561 A1 WO 2022137561A1 JP 2020048943 W JP2020048943 W JP 2020048943W WO 2022137561 A1 WO2022137561 A1 WO 2022137561A1
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WIPO (PCT)
Prior art keywords
customer
information
customer information
calculation
evaluation value
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Ceased
Application number
PCT/JP2020/048943
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English (en)
French (fr)
Japanese (ja)
Inventor
嘉之 衛藤
航 糸永
大輔 松田
洋治 森
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NEC Corp
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NEC Corp
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Publication date
Application filed by NEC Corp filed Critical NEC Corp
Priority to JP2022570997A priority Critical patent/JP7556409B2/ja
Priority to US18/268,713 priority patent/US12254493B2/en
Priority to PCT/JP2020/048943 priority patent/WO2022137561A1/ja
Publication of WO2022137561A1 publication Critical patent/WO2022137561A1/ja
Anticipated expiration legal-status Critical
Priority to JP2024157137A priority patent/JP2024163270A/ja
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0241—Advertisements
    • G06Q30/0251—Targeted advertisements
    • G06Q30/0269—Targeted advertisements based on user profile or attribute
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • G06Q30/0201—Market modelling; Market analysis; Collecting market data

Definitions

  • the present invention relates to marketing support devices, systems and methods and non-temporary computer-readable media, in particular, marketing support devices, systems and methods and non-temporary ones for supporting digital marketing using confidential customer information.
  • Computer-readable media
  • Patent Document 1 identifies an individual having an attribute that satisfies a condition given from the outside and notifies the advertisement distribution business operator, but the degree of the condition is unknown and is detailed. There is a problem that marketing cannot be done. It should be noted that such problems cannot be solved for Patent Document 2 and Non-Patent Document 1.
  • This disclosure is made to solve such problems, and when the holder of customer information and the marketing entity are different, it is a business opportunity that utilizes customer information while considering the privacy of the customer. It aims to provide marketing support devices, systems and methods to support creation and non-temporary computer readable media.
  • the marketing support device is A registration means for registering the concealed data obtained from the customer information management device in the first database.
  • An acquisition means for acquiring a calculation logic for calculating an evaluation value indicating the degree of potential customers based on the customer information from a predetermined business operator, and A calculation means for calculating the evaluation value from the concealment data using the calculation logic, and An output means that outputs output information based on the evaluation value, and To prepare for.
  • the marketing support system is A customer information management device that manages customer information, Equipped with marketing support equipment,
  • the marketing support device is A registration means for registering the concealed data obtained from the customer information management device by concealing the customer information in the first database, and An acquisition means for acquiring a calculation logic for calculating an evaluation value indicating the degree of potential customers based on the customer information from a predetermined business operator, and A calculation means for calculating the evaluation value from the concealment data using the calculation logic, and An output means that outputs output information based on the evaluation value, and To prepare for.
  • Computer-readable media can be provided.
  • FIG. 1 is a block diagram showing a configuration of a marketing support device 1 according to the first embodiment.
  • the marketing support device 1 is an information processing device for supporting digital marketing using concealed customer information.
  • the marketing support device 1 is connected to a customer information management device (not shown) and a terminal of a predetermined business operator (not shown) via a communication network (not shown, hereinafter, the communication network is also simply referred to as a network).
  • the network may be wired or wireless, and may be of any type of communication protocol.
  • the customer information management device is an information processing device operated by an organization (company or the like) that manages customer information including personal information and sensitive information (sensing information) of an individual or a company customer.
  • the customer information management device registers customer information in a storage device such as a database.
  • the customer information management device shall provide the customer information to the marketing support device 1 after obtaining the consent of the customer to conceal the customer information and utilize it for digital marketing.
  • the business operator wants to create a business opportunity by using the confidential customer information.
  • the marketing support device 1 includes a registration unit 11, an acquisition unit 12, a calculation unit 13, and an output unit 14.
  • the registration unit 11 registers the concealed data obtained by concealing the customer information acquired from the customer information management device in the first database.
  • concealment refers to a predetermined processing process for protecting the data content against external access. Concealment includes data division by encryption and secret sharing. In addition, concealment may include anonymization of personal information.
  • the first database is a database system for storing concealed concealed data.
  • the first database may be realized by a storage device (not shown) built in the marketing support device 1. Alternatively, the first database may be realized by one or more database servers connected to the marketing support device 1 via a network.
  • the acquisition unit 12 acquires a predetermined calculation logic from a predetermined business operator (terminal).
  • the calculation logic is information for calculating an evaluation value indicating the degree of a potential customer based on customer information.
  • the calculation logic may be definition information of an arithmetic expression using a plurality of element data included in the customer information of one customer.
  • the evaluation value (score) is a numerical value or a level value.
  • the calculation unit 13 calculates the evaluation value from the concealment data using the calculation logic. For example, the calculation unit 13 acquires concealment data corresponding to the element data defined in the calculation logic from the first database, and evaluates the concealment data by performing the calculation defined in the calculation logic using the acquired concealment data. You may ask for the value. Alternatively, the calculation unit 13 may instruct the first database to perform an operation on the element data defined in the calculation logic, and acquire the operation result as an evaluation value. Further, the calculation unit 13 instructs the first database to perform some operations of the calculation logic, and performs the remaining operations of the calculation logic using the operation results acquired from the first database, thereby performing the evaluation value. You may ask for. The calculation unit 13 shall calculate the evaluation value for each customer.
  • the calculation unit 13 may calculate the evaluation value from the confidential data by secret calculation.
  • the evaluation value based on the calculation logic can be obtained without decoding the concealed data.
  • a method using secret sharing for example, a method using secret sharing, a method using homomorphic encryption, or a method using hardware can be used.
  • the method using secret sharing may be, for example, the method of Non-Patent Document 1 described above.
  • the method using hardware may be a method using Trusted Execution Environment or the like.
  • the output unit 14 outputs output information based on the evaluation value.
  • the output information may be a set of the calculated evaluation value and the customer identification information corresponding to the evaluation value.
  • the output unit 14 may output distribution information of evaluation values among a plurality of customers as output information.
  • the distribution information is statistical information such as the number of customers for each evaluation value. Thereby, for example, the business operator can grasp the tendency of the customer managed by the customer information management device even if the specific customer's sensitive information is unknown.
  • the output unit 14 may output output information to the customer information management device.
  • the customer information management device can grasp the evaluation value or distribution information for each customer. Then, it is possible to advertise to customers who satisfy the conditions of the evaluation value according to the instruction from the business operator.
  • the output unit 14 may output output information to the business operator. For example, when the output information is a set of evaluation value and customer identification information, the business operator selects customer identification information satisfying the evaluation value and requests a customer information management device to advertise the selected customer identification information. Can be done to. Further, when the output information is the distribution information of the evaluation value, the business operator can easily determine the threshold value and the condition of the evaluation value to be advertised.
  • FIG. 2 is a flowchart showing the flow of the marketing support method according to the first embodiment.
  • the registration unit 11 acquires customer information from the customer information management device (S11).
  • the registration unit 11 registers the concealed data obtained by concealing the customer information acquired in step S11 in the first database (S12).
  • the acquisition unit 12 acquires the calculation logic for calculating the evaluation value indicating the degree of the potential customer from the predetermined business operator based on the customer information (S13).
  • the calculation unit 13 calculates an evaluation value from the concealment data using the calculation logic acquired in step S13 (S14).
  • the output unit 14 outputs the output information based on the evaluation value (S15).
  • the marketing support device 1 since the marketing support device 1 according to the present embodiment outputs the output information based on the evaluation value, the customer information management device or the business operator can grasp the degree of the potential customer. Therefore, it is possible to support detailed marketing.
  • the customer information itself managed by the customer information management device is not disclosed to the business operator. That is, when the owner of the customer information and the marketing entity (business operator) are different, it is possible to support the creation of business opportunities utilizing the customer information while considering the privacy of the customer.
  • the registration unit 11, the acquisition unit 12, the calculation unit 13, and the output unit 14 may each be realized by dedicated hardware.
  • a part or all of each component of each device may be realized by a general-purpose or dedicated circuitry, a processor, or a combination thereof. These may be composed of a single chip or may be composed of a plurality of chips connected via a bus. A part or all of each component of each device may be realized by the combination of the circuit or the like and the program described above.
  • a processor a CPU (Central Processing Unit), a GPU (Graphics Processing Unit), an FPGA (field-programmable gate array), a quantum processor (quantum computer control chip), or the like can be used.
  • each component of the marketing support device 1 when a part or all of each component of the marketing support device 1 is realized by a plurality of information processing devices and circuits, the plurality of information processing devices and circuits may be centrally arranged. It may be distributed.
  • the information processing device, the circuit, and the like may be realized as a form in which each is connected via a communication network, such as a client-server system and a cloud computing system.
  • the function of the marketing support device 1 may be provided in the SaaS (Software as a Service) format.
  • the second embodiment is a specific embodiment of the first embodiment described above.
  • the marketing support system 1000 includes a customer terminal 100, a customer information management device 200, a business operator terminal 300, and a marketing support device 400.
  • Each of the customer terminal 100, the customer information management device 200, the business operator terminal 300, and the marketing support device 400 is connected via the network N.
  • the network N is a wired or wireless communication line, for example, the Internet.
  • Customer U1 is a user to be managed by the customer information management organization that operates the customer information management device 200.
  • the customer U1 is, for example, an individual or an employee of a company.
  • the customer terminal 100 is an information terminal operated by the customer U1.
  • the customer terminal 100 is, for example, a mobile phone terminal, a smartphone, a tablet terminal, a personal computer, or the like.
  • the customer terminal 100 transmits a customer information registration request to the customer information management device 200 via the network N in response to the operation of the customer U1.
  • the customer information includes personal information such as a customer profile and transaction information.
  • the customer terminal 100 transmits the personal consent for data concealment and utilization of the registered customer information to the customer information management device 200 via the network N.
  • the customer information management device 200 is an information processing device operated by an organization that manages customer information of customers including customer U1.
  • the customer information management device 200 may be made redundant on a plurality of servers, or each functional block may be realized by a plurality of computers.
  • FIG. 4 is a block diagram showing the configuration of the customer information management device 200 according to the second embodiment.
  • the customer information management device 200 includes a storage unit 210, a memory 220, a communication unit 230, and a control unit 240.
  • the storage unit 210 stores the program 211, the customer information 212, and the score list 213.
  • the program 211 is a computer program in which the processing of the customer information management device 200 is implemented in the marketing support method according to the second embodiment.
  • customer information 212 personal information and sensitive information are associated with the customer identification information.
  • Customer information 212 includes customer contact information (eg, email address, address, telephone number, etc.).
  • the customer information 212 may include information on financial assets of the customer and a history of various transactions including financial products.
  • the score list 213 is a set of a customer ID 2131 and a score 2132 for one or more customers.
  • the customer ID 2131 is an example of customer identification information.
  • the score 2132 is an example of an evaluation value calculated by the marketing support device 400 as described later.
  • the memory 220 is a volatile storage device such as a RAM (RandomAccessMemory), and is a storage area for temporarily holding information when the control unit 240 operates.
  • the communication unit 230 is a communication interface with the network N.
  • the control unit 240 is a processor, that is, a control device that controls each configuration of the customer information management device 200.
  • the control unit 240 reads the program 211 from the storage unit 210 into the memory 220, and executes the program 211. As a result, the control unit 240 realizes the functions of the registration unit 241 and the score reception unit 242 and the mediation unit 243.
  • the registration unit 241 registers the customer information 212 received from the customer terminal 100 in the storage unit 210. Further, the registration unit 241 transmits a concealment request including the customer information 212 of the customer U1 to the marketing support device 400 in response to the consent of the person regarding the concealment and utilization of the data received from the customer terminal 100. When the registration unit 241 additionally receives the transaction information history from the customer terminal 100, the registration unit 241 adds the transaction information history to the corresponding customer information 212 and updates it.
  • the score receiving unit 242 receives the score list 213 as output information from the marketing support device 400, and stores the score list 213 in the storage unit 210.
  • the intermediary unit 243 receives the proposal content and the score conditions of the proposal target person from the business terminal 300. Then, the intermediary unit 243 identifies the contact information of the customer who is the proposal target person from the customer information 212 based on the score list 213 and the score conditions. The intermediary unit 243 sends the proposal contents to the specified contact. When the intermediary unit 243 accepts the approval of the proposal content from the customer to whom the proposal content is transmitted, the intermediary unit 243 transmits the consent and the customer information 2112 corresponding to the customer to the business terminal 300. Then, the intermediary unit 243 mediates the contract between the business terminal 300 and the customer terminal 100. After the contract is concluded, the intermediary unit 243 accepts the payment of the contract fee from the business terminal 300.
  • the intermediary department 243 receives a request for remittance of a contract fee from the business operator terminal 300 from the business operator's account to the customer information management organization's account, and remits money between the accounts. Execute the process.
  • the intermediary unit 243 may accept a remittance report of the contract fee from the business terminal 300.
  • the intermediary unit 243 may receive transaction information based on the transaction between the customer U1 and the business operator after the contract is concluded from the business operator terminal 300. In that case, the intermediary unit 243 adds the received transaction information to the customer information 212 of the customer U1.
  • the business operator terminal 300 transmits the proposal content to the customer managed by the customer information management organization and the condition of the score of the proposal target person to the customer information management device 200.
  • the business terminal 300 receives the consent and the customer information corresponding to the customer from the customer information management device 200.
  • the business operator can conclude a contract with the consenting customer.
  • the business operator terminal 300 may perform the contract processing with the customer terminal 100 via the customer information management device 200 according to the operation of the business operator. Further, the business terminal 300 may pay the contract fee to the customer information management device 200 after the contract is concluded.
  • the marketing support device 400 is an example of the marketing support device 1 described above.
  • FIG. 5 is a block diagram showing a configuration of the marketing support device 400 according to the second embodiment.
  • the marketing support device 400 includes a storage unit 410, a memory 420, a communication unit 430, and a control unit 440.
  • the storage unit 410 stores the program 411, the calculation logic 412, and the concealment data 413.
  • the program 411 is a computer program in which the processing of the marketing support device 400 among the marketing support methods according to the second embodiment is implemented.
  • the memory 420 is a volatile storage device such as a RAM (RandomAccessMemory), and is a storage area for temporarily holding information when the control unit 440 operates.
  • the communication unit 430 is a communication interface with the network N.
  • the control unit 440 is a processor, that is, a control device that controls each configuration of the marketing support device 400.
  • the control unit 440 reads the program 411 from the storage unit 410 into the memory 420, and executes the program 411. As a result, the control unit 440 realizes the functions of the registration unit 441, the acquisition unit 442, the calculation unit 443, and the output unit 444.
  • the registration unit 441 is an example of the registration unit 11 described above.
  • the registration unit 441 conceals the customer information 212 acquired from the customer information management device 200.
  • the registration unit 441 encrypts the customer information 212.
  • the registration unit 441 performs processing processing such as data division of data by secret sharing on the customer information 212. Then, the registration unit 441 registers the confidential data 413 in the storage unit 410.
  • the acquisition unit 442 is an example of the acquisition unit 12 described above.
  • the acquisition unit 442 acquires the calculation logic 412 from the business operator terminal 300, and registers the calculation logic 412 in the storage unit 410.
  • the calculation unit 443 is an example of the above-mentioned calculation unit 13.
  • the calculation unit 443 calculates the score from the concealment data 413 using the calculation logic 412.
  • the calculation unit 443 performs a score calculation process for each customer according to an instruction from the manager or a set timing.
  • the calculation unit 443 reads the concealment data 413 corresponding to the element data defined in the calculation logic 412 from the storage unit 410, and calculates the score of the target customer by the calculation formula defined in the calculation logic 412.
  • the calculation unit 443 may calculate the score by secret calculation. That is, the calculation unit 443 may calculate the score without decoding the concealment data 413.
  • the output unit 444 is an example of the output unit 14 described above.
  • the output unit 444 generates a score list from the set of the score calculated by the calculation unit 443 for each customer and the customer ID corresponding to the score, and transmits the score list to the customer information management device 200.
  • the output unit 444 may transmit the score list to the business terminal 300.
  • the output unit 444 may transmit the score list to both the customer information management device 200 and the business terminal 300.
  • FIGS 6 and 7 are sequence diagrams showing the flow of the marketing support method according to the second embodiment.
  • the customer terminal 100 transmits a customer information registration request to the customer information management device 200 via the network N in response to the operation of the customer U1 (S201).
  • the registration unit 241 of the customer information management device 200 receives the customer information 212 from the customer terminal 100 and registers the customer information 212 in the storage unit 210 (S202).
  • the customer information 212 includes customer identification information, contact information, other personal information, and sensitive information.
  • the customer terminal 100 transmits the personal consent for data concealment and utilization of the registered customer information to the customer information management device 200 via the network N in response to the operation of the customer U1 (S203).
  • the registration unit 241 receives the consent of the person from the customer terminal 100.
  • the registration unit 241 transmits a concealment request including the customer information 212 of the customer U1 to the marketing support device 400 via the network N in response to the receipt of the consent of the person (S204).
  • the registration unit 441 of the marketing support device 400 receives the concealment request from the customer information management device 200. Then, the registration unit 441 conceals the personal information included in the received concealment request (S205). Subsequently, the registration unit 441 registers the concealed concealment data 413 in the storage unit 410 (S206).
  • step S207 transmits the calculation logic to the marketing support device 400 via the network N according to the operation of the person in charge of the business operator (S207).
  • step S207 may be executed before step S201.
  • step S207 may be executed between steps S201 and S206.
  • the acquisition unit 442 of the marketing support device 400 receives the calculation logic 412 from the business operator terminal 300 in accordance with step S207, and registers the calculation logic 412 in the storage unit 410.
  • the calculation unit 443 calculates the score for each customer (S208). That is, the calculation unit 443 reads the calculation logic 412 from the storage unit 410 at a predetermined timing, and calculates the score based on the calculation logic 412 from the concealment data 413 for each customer in the concealment data 413.
  • the output unit 444 generates a score list from the set of the score calculated for each customer and the customer ID corresponding to the score (S209). Then, the output unit 444 transmits the score list to the customer information management device 200 via the network N (S210).
  • the score receiving unit 242 of the customer information management device 200 receives (receives) the score list from the marketing support device 400. Then, the score receiving unit 242 registers the received score list 213 in the storage unit 210 (S211).
  • the business operator terminal 300 transmits the proposal content to the customer managed by the customer information management organization and the condition of the score of the proposal target person to the customer information management device 200 via the network N (S212).
  • the content of the proposal is, for example, advertising information about a business conducted by a business operator, guidance information on products and services, and the like.
  • the condition of the score of the proposal target person is, for example, a threshold value of the score.
  • the intermediary unit 243 of the customer information management device 200 receives the proposal content and the score conditions from the business operator terminal 300, and registers them in the storage unit 210 or the memory 220. Note that step S212 may be executed before step S201 or between steps S201 and S206, as in step S207.
  • the intermediary unit 243 identifies the contact information of the customer who is the proposal target from the customer information 212 based on the score list 213 and the score conditions (S213).
  • the customer U1 is specified as the proposal target person and the e-mail address of the customer U1 is specified.
  • the intermediary unit 243 transmits the proposal content to the customer terminal 100 of the specified customer U1 (S214).
  • the intermediary unit 243 sends an e-mail including the content of the proposal to the e-mail address of the specified customer U1.
  • the customer terminal 100 receives an e-mail including the proposal content from the customer information management device 200 via a mail server (not shown).
  • the customer terminal 100 displays the received e-mail on the screen.
  • the customer U1 can confirm the content of the proposal (intermediated by the customer information management device 200) from the business operator.
  • the customer U1 shall approve the content of the proposal and make an application. Therefore, the customer terminal 100 transmits an application for the proposal content and a consent to disclose personal information to the customer information management device 200 via the network N in response to the operation of the customer U1 (S215).
  • the intermediary unit 243 of the customer information management device 200 receives the application (acceptance of the proposal content) and the disclosure consent of the personal information from the customer terminal 100, and responds to the applicant (customer U1) from the storage unit 210. Customer information 212 (personal information, etc.) is specified (S216). Then, the intermediary unit 243 transmits the effect of the application and the customer information 2112 corresponding to the customer U1 to the business terminal 300 (S217).
  • the business operator terminal 300 receives the application and customer information from the customer information management device 200 and displays it on the screen. Therefore, the business operator can apply for the content of the proposal made to the customer U1 from the customer U1 and acquire the personal information and the like of the customer U1. At this time, the business terminal 300 may store the received customer information internally.
  • the business terminal 300 processes the contract with the customer U1 according to the operation of the business.
  • the business terminal 300 transmits to the customer information management device 200 via the network N to the effect that the contract with the customer U1 has been concluded (S218).
  • the intermediary unit 243 of the customer information management device 200 transmits to the customer terminal 100 via the network N to the effect of the contract received from the business terminal 300 (S219).
  • the customer terminal 100 receives the contract from the customer information management device 200 and displays it on the screen.
  • the customer U1 can confirm the conclusion of the contract with the business operator.
  • the business terminal 300 pays the contract fee to the customer information management device 200 (S220).
  • the customer information management organization is a financial institution
  • the business terminal 300 transmits a request for remittance of a contract fee from the business account to the customer information management organization account.
  • the intermediary unit 243 receives a request for remittance of the contract fee from the business terminal 300 to the account of the customer information management organization from the business terminal 300, and executes the remittance processing between the accounts.
  • a transaction is carried out between the customer U1 and the business operator according to the contents of the contract (S221).
  • the business terminal 300 may acquire further personal information and transaction information from the customer U1 and store them internally.
  • the business operator terminal 300 transmits the transaction information of the customer U1 who is the contractor to the customer information management device 200 via the network N (S222).
  • the intermediary unit 243 of the customer information management device 200 receives the transaction information from the business operator terminal 300, and additionally registers the received transaction information in the customer information 212 of the customer U1.
  • the customer information held and managed as raw data by the customer information management device 200 is processed, stored and managed from the raw data to the concealed data in the marketing support device 400. Therefore, with the consent of the customer, the customer information can be appropriately stored outside the customer information management device 200 and after ensuring security. Therefore, it is possible to lower the psychological barrier that an individual or a company as an information provider can utilize his / her own personal information or confidential information by a third-party business operator. Therefore, the provision of customer information is promoted.
  • a business operator who wants to create a business opportunity registers a scoring calculation formula (calculation logic) in the marketing support device 400, which highly rates customers with attributes that he / she wants to contact for his / her business.
  • the business operator can also obtain output information based on the score from the marketing support device 400.
  • the output information includes the customer's personal information and confidential information to the minimum necessary. For example, a set of customer identification information and a score.
  • the output information based on the score is directly output to the customer information management device 200 and not output to the business operator terminal 300, the business operator does not have an opportunity to come into contact with the customer information or the confidential data. .. That is, customer information and confidential data are hidden from the business operator.
  • the score distribution information is, for example, 70 points for 2 people, 90 points for 3 people, 95 points for 1 person, and is information that cannot be identified by an individual. However, it is desirable that the output destination of the score distribution information is the business operator.
  • the business operator can approach the customer with a high score through the customer information management device 200 by registering the proposal content and the condition of the score in the customer information management device 200. That is, it is possible to select customers who have a high probability of being potential customers in their own business and efficiently advertise, etc., without having to come into contact with specific customer information.
  • the scoring calculation formula is directly input to the marketing support device 400 from the business terminal 300 of the business that wants to create a business opportunity, the scoring know-how is known to third parties including the customer information management organization. There is no.
  • the score list is output to the customer information management organization, there is no opportunity for the business operator who wants to create a business opportunity to know the score result.
  • a business operator who wants to create a business opportunity until there is a contact request (including consent and application) from the customer candidate. There is no opportunity to obtain customer information.
  • the history of the transaction information of the customer is sequentially added, so that the score calculated at a certain point in time for the customer is changed after the transaction information is added. In some cases. That is, by updating the score, it is possible to select the most suitable customer candidate according to the state of the customer at that time.
  • the third embodiment is a specific example of the second embodiment described above, and is applied to digital marketing for the sale of real estate and financial products.
  • the customer information in the third embodiment includes the financial information of the customer and the affiliation.
  • the calculation logic shall include financial information and affiliation information regarding the affiliation destination. Then, the calculation unit specifies the affiliation and the financial information included in the customer information from the confidential data. Then, the calculation unit specifies the affiliation information corresponding to the affiliation destination specified from the calculation logic. Then, the calculation unit calculates the evaluation value using the specified financial information and the acquired affiliation information.
  • FIG. 8 is a block diagram showing the overall configuration of the marketing support system 1000a according to the third embodiment.
  • the marketing support system 1000a includes a customer terminal 100, a customer information management device 200, a business terminal 310, 320 ... 3n0 (n is a natural number of 2 or more), a marketing support device 400a, and a secret calculation server 510, 520. 530 is provided.
  • the customer terminal 100, the customer information management device 200, the business terminal 310, 320 ... 3n0 (n is a natural number of 2 or more), the marketing support device 400a, and the secret calculation servers 510, 520, and 530 are networks. It is connected via N.
  • the customer information management device 200 is a computer server operated by a customer information management organization that manages customer information including financial assets of the customer.
  • the customer information management organization may be an organization that provides an aggregation service that aggregates and manages the account information of a plurality of financial institutions of a specific customer.
  • the customer information management organization may be a credit card company.
  • the customer information management organization may be a financial institution.
  • the customer information management device 200 manages the customer financial asset information 212a.
  • the customer financial asset information 212a is an example of the customer information 212, and includes the financial information of the customer and the information of the affiliation (company of employment, etc.). Since the other configurations of the customer information management device 200 are the same as those of the second embodiment, illustration and detailed description thereof will be omitted.
  • Business terminals 310 to 3n0 are examples of business terminals 300. It is assumed that each of the business terminals 310 to 3n0 belongs to a different business. Each business operator is, for example, a consumer finance company, a life insurance or non-life insurance company, a real estate company, a real estate dealer, a mortgage sales company, or the like.
  • the business terminal 310 stores the company information 311, the business terminal 320 stores the company information 321 ...
  • the business terminal 3n0 stores the company information 3n1.
  • Each of the company information 311, 321, ... 3n1 is an example of the second database, and is the affiliation information corresponding to the affiliation destination.
  • the company information 311 is information about a plurality of companies owned by the business operator to which the business operator terminal 310 belongs.
  • the company information 311 is information on the average annual income of employees for each age in a plurality of companies. Further, the company information 311 includes a coefficient (company coefficient) used in the calculation logic for each company.
  • the company information 321 to 3n1 is the same as the company information 311 but may include information on a company different from the company information 311. Further, even if the company information 321 to 3n1 includes the same company as the company information 311, the company coefficient may be different.
  • Each of the business terminal 310 and the like generates a scoring logic (calculation logic) of a potential customer based on its own know-how, and transmits the calculation logic to the marketing support device 400a via the network N. That is, it is assumed that the calculation logic is different for each of the business terminal 310 and the like. Further, the calculation logic may include company information. For example, the business terminal 310 may generate a calculation logic including the contents of the company information 311.
  • the secret calculation servers 510, 520 and 530 constitute the first database 500.
  • Each of the secret calculation servers 510, 520 and 530 is a computer server containing a database.
  • Each of the secret calculation servers 510, 520 and 530 stores the confidential data 511, 521 and 531 respectively.
  • Each of the confidential data 511, 521 and 531 is each data (divided data) divided by duplicating a part of the customer financial asset information 212a, and is encrypted for each divided data. be.
  • each of the confidential data 511, 521, and 531 is divided data in which the value of one element data of the customer financial asset information 212a is divided into a plurality of divided data, and is encrypted for each divided data. be. Therefore, even if the confidential data 511 leaks independently, it cannot be restored to the original customer financial asset information 212a.
  • the secret calculation server 510 receives a registration request including the first partition data from the marketing support device 400a, encrypts the received first partition data, and registers it in the internal database as concealed data 511. Further, the secret calculation server 510 receives an acquisition request for the first element data which is a part of the first divided data from the marketing support device 400a. Then, the secret calculation server 510 returns the concealed data corresponding to the first element data of the concealed data 511 to the marketing support device 400a. That is, the first element data itself is not returned, and the encrypted concealed data is returned to the first element data. Further, the secret calculation server 510 receives a predetermined calculation request for the first element data from the marketing support device 400a.
  • the secret calculation server 510 performs the requested calculation using the portion of the concealment data 511 corresponding to the first element data, and returns the first calculation result to the marketing support device 400a. That is, the first calculation result does not include the first element data itself. Further, the secret calculation server 510 may perform the calculation in cooperation with the secret calculation server 520 or 530 according to the content of the calculation request. For example, when the secret calculation server 510 lacks the data necessary for the calculation in the secret calculation server 511, the secret calculation server 510 appropriately acquires the necessary data from the secret calculation server 520 or 530, and the secret calculation server 521, 531 and 511. You may perform the calculation using.
  • the secret calculation servers 520 and 530 have the same functions as the secret calculation server 510.
  • the marketing support device 400a is an example of the above-mentioned marketing support device 400.
  • the marketing support device 400a divides the customer financial asset information 212a, and distributes and registers each divided data in each of the secret calculation servers 510 to 530. Further, the marketing support device 400a extracts the element data defined in the calculation logic when performing the calculation based on the calculation logic, and transmits the calculation request for each element data from the secret calculation server 510 corresponding to the element data to 530. do. Then, the marketing support device 400a calculates the score based on the calculation logic using the first to third calculation results acquired from the secret calculation server 510 to 530. In the following description, the marketing support device 400a may acquire some attribute values of the concealed data. However, the acquired attribute value is not a decrypted one, but is encrypted and is a part of the concealed data.
  • FIG. 9 is a block diagram showing the configuration of the marketing support device 400a according to the third embodiment.
  • the marketing support device 400a is different from the marketing support device 400 described above in that the program 411a, the calculation logic 412a, the registration unit 441a, and the secret calculation unit 443a. Further, as described above, the marketing support device 400a does not store the concealed data. Other configurations of the marketing support device 400a are equivalent to those of the marketing support device 400.
  • the program 411a is a computer program in which the processing of the marketing support device 400a among the marketing support methods according to the third embodiment is implemented.
  • the calculation logic 412a is, for example, definition information of an arithmetic expression defined by one or more operators and two or more operands.
  • the operand includes attributes of company information (affiliation information) related to the company to which the customer belongs, in addition to attributes such as personal information, sensitive information, and financial information included in the customer financial asset information 212a. May be.
  • the calculation logic 412a may define the condition of the customer who is the target of the score calculation. For example, the calculation logic 412a is defined to include a threshold value of the attribute value group included in the customer financial asset information 212a, and to calculate the score by a subsequent calculation formula when the attribute value group is equal to or less than the threshold value. You may. Further, the calculation logic 412a may include contents such as company information 311. For example, the calculation logic 412a includes a process of specifying a company coefficient and a company average annual income from (confidential data) of the place of employment and age based on the company information 311.
  • the registration unit 441a conceals the customer financial asset information 212a acquired from the customer information management device 200. Specifically, the registration unit 441a divides the customer financial asset information 212a into the first to third divided data. As one method, the registration unit 441a divides a plurality of element data of the customer financial asset information 212a by duplicating a part thereof to obtain the first to third divided data. For example, when the customer financial asset information 212a includes A, B, and C, the first divided data is A and B, the second divided data is B and C, and the third divided data is A and C.
  • the first divided data may be A1, B1 and C1
  • the second divided data may be A2, B2 and C2
  • the third divided data may be A3, B3 and C3.
  • the registration unit 441a transmits a registration request including the first partition data to the secret calculation server 510 via the network N. Further, the registration unit 441a transmits a registration request including the second divided data to the secret calculation server 520 via the network N. Further, the registration unit 441a transmits a registration request including the second divided data to the secret calculation server 530 via the network N. It should be noted that these processes are an example of concealment.
  • the acquisition unit 442 receives different calculation logics from each of the business terminals 310 to 330 at arbitrary timings, and registers them in the storage unit 410 as the calculation logic 412a.
  • the secret calculation unit 443a calculates the score from the concealment data 511 to 531 for each customer based on the calculation logic 412a. For example, the secret calculation unit 443a parses the calculation logic 412a and extracts operators and operands (attributes of element data). Then, the secret calculation unit 443a specifies the attribute of the customer information indicated by the operand, and identifies one or more secret calculation servers in which the concealment data corresponding to the specified attribute is stored. Then, the secret calculation unit 443a transmits a predetermined calculation request for the element data to each of the specified secret calculation servers. The secret calculation unit 443a receives the calculation result based on the calculation request from each of the secret calculation servers.
  • the secret calculation unit 443a transmits a calculation request to each of the secret calculation servers 510 to 530, and receives the first to third calculation results from each secret calculation server. Then, the secret calculation unit 443a performs a calculation based on the calculation logic 412a using the first to third calculation results, and calculates the score.
  • the secret calculation unit 443a has the attribute value (element) of the customer financial asset information 212a necessary for acquiring the attribute value of the company information. Data) is specified. Then, the secret calculation unit 443a transmits a request for acquiring the specified attribute value to the secret calculation server. The secret calculation unit 443a acquires the attribute value from the secret calculation server. When the secret calculation unit 443a acquires the divided data of the attribute value from a plurality of secret calculation servers, the secret calculation unit 443a may synthesize the divided data to obtain the attribute value.
  • the secret calculation unit 443a acquires the company information from the attribute value based on the contents of the company information 311 and the like defined in the calculation logic 412a. For example, the secret calculation unit 443a encrypts the company name and age from the contents of the company information 311 included in the calculation logic 412a, and then collates the acquired (encrypted) attribute value with the corresponding company information (corresponding company information). Specify the average annual income and company coefficient, etc.). Then, the secret calculation unit 443a performs a calculation based on the calculation logic 412a using the company information and the above-mentioned first to third calculation results, and calculates the score.
  • the operand defined in the calculation logic 412a may include a specific attribute that does not exist in the customer financial asset information 212a and the company information 311 to 331.
  • the customer financial asset information 212a includes the customer's work location and address (at least at the city / ward / town / village level), and the operand includes the commuting time as a specific attribute.
  • the secret calculation unit 443a transmits a request for acquisition of the work location and the address to the secret calculation servers 510 to 530. Then, the secret calculation unit 443a synthesizes a set of work location and address for each customer from the acquisition result from the secret calculation server 510 to 530.
  • the secret calculation unit 443a calculates the commuting time for each customer from the restored work location and address set by a predetermined calculation. Then, the secret calculation unit 443a further uses the calculated commuting time to perform a calculation based on the calculation logic 412a, and calculates the score.
  • the secret calculation unit 443a analyzes the calculation logic 412a and the attribute value (element data) necessary for determining the condition. ). Then, the secret calculation unit 443a transmits a request for acquiring the specified attribute value to the secret calculation server. The secret calculation unit 443a acquires the attribute value from the secret calculation server. Then, the secret calculation unit 443a determines whether or not the customer's condition is satisfied from the acquired attribute value, and if the condition is satisfied, processes the subsequent arithmetic expression as described above.
  • the secret calculation unit 443a is assumed to perform the condition determination by comparing with the acquired (encrypted) attribute value by encrypting the threshold value of the condition determination as well.
  • the output unit 444 generates a score list from the set of the score calculated by the secret calculation unit 443a for each customer and the customer ID corresponding to the score, and transmits the score list to the customer information management device 200.
  • the output unit 444 may transmit the score list from the business terminal 310 to any of 330, which is the provider of the calculation logic 412a.
  • the customer U1 becomes a person who wants to purchase a house.
  • the customer information management organization is a company that holds personal information of a person who wants to purchase a house, and is, for example, a company that provides an aggregation service that aggregates and manages account information of a plurality of financial institutions owned by a specific individual. ..
  • the business operator is a company or financial institution that sells real estate or mortgages, and is a business operator that wants to acquire customers for real estate or mortgages.
  • a person who wants to buy a house asks for a proposal that suits his / her wishes and financial assets, but does not want to disclose personal information to a third party until he / she approves the content of the proposal.
  • businesses want to improve the productivity of selecting prospective customers and make effective use of advertising costs.
  • the business operator has accumulated scoring know-how for selecting prospective customers through past operations, it is possible to extract promising customers without directly holding customer data.
  • the scoring know-how is confidential information unique to the company, we do not want it to be known to third parties.
  • the customer information management organization in Japan cannot provide the customer's personal information (customer information) to a third party for any other purpose in accordance with the Personal Information Protection Law.
  • the customer information management organization wants to support the creation of new business opportunities by utilizing customer information. Therefore, the customer information management organization requires that the customer information be utilized by a third party without being leaked to the third party.
  • FIG. 10 is a diagram showing an example of customer financial asset information 212a according to the third embodiment.
  • Customer financial asset information 212a includes customer ID, age, home ownership, family structure, years of residence, address, place of employment, place of employment, years of service, annual income (10,000 yen) and deposit balance (10,000 yen) as attributes. ..
  • the age may be the date of birth.
  • the family structure may include gender, parent-child relationship, and the like.
  • the address and the place of work include, for example, the level of the city, ward, town, or village, and may be information that can at least calculate the commuting time.
  • the place of employment may be company identification information.
  • the annual income and deposit balance may be approximate values.
  • the deposit balance is the total value of the account balances of a plurality of financial institutions owned by the customer.
  • FIG. 10 shows an example of three customer IDs “01”, “02” and “03”, but the attribute values are not limited thereto.
  • the customer financial asset information 212a may include customer information of four or more people.
  • the customer financial asset information 212a may include the real estate valuation amount of the owner's house for the customer who owns the owner's house.
  • FIG. 11 is a diagram showing an example of corporate information 311 according to the third embodiment.
  • the company information 311 includes the company name, the average annual income for each age, and the company coefficient as attributes.
  • the company name may be any information that identifies the company.
  • the average annual income for each age may be the one that the business operator has accumulated independently or the information obtained from an external organization.
  • the company coefficient is a value independently set from the past transaction results of the business operator. Therefore, the average annual income and the company coefficient for each age may differ between the company information 311 and 321 and 331 even for the same company.
  • I will give an example of the customer selection criteria of a certain business operator A.
  • Business A wants to create a property owned by a family in the Tokyo metropolitan area or a mortgage loan for the property as a business.
  • the conditions for customers of Business A are that the target age is 25 years old or older and 40 years old or younger, married (two or more family members), and no home. That is, the business operator A excludes customers aged 40 and over from the target of customer selection in consideration of the repayment risk.
  • the condition for the customer of the business operator A is that the number of years of residence is 3 years or more.
  • the score used as the customer selection criterion of the business operator A is calculated to be higher as the commuting time is shorter and higher as the length of service is longer.
  • the performance status of the workplace is taken into consideration when calculating the score.
  • the business operator A evaluates the salary information in light of the income curve of the place of employment and evaluates the financial asset information (deposit balance) as a repayment safety index in the calculation of the score.
  • the business operator A emphasizes the expected lifetime income of the place of employment rather than the current salary and financial assets in the score calculation.
  • the business operator A also evaluates financial assets in the calculation of the score.
  • the business operator A sets the company coefficient in consideration of the business performance of the place of employment (company).
  • the conditions for the customer to be the target of the score calculation in the calculation logic of the business operator A are that there is no owner's house, the family structure is two or more, and the age is 40 years or younger. Therefore, if there is a house, the family structure is one (single), or the age is 41 or more, the score of the customer is calculated to be 0.
  • the business terminal 310 sets the condition of the score of the proposal target person in step S212 to 5000 points or more.
  • the secret calculation unit 443a parses the score calculation formula (calculation logic 412a) of the business operator A, first, the owner's house, the family structure, and the age are extracted as the customer's conditions. Then, the secret calculation unit 443a transmits a request for acquiring each customer's home, family structure, and age to the secret calculation server 510 and the like. Then, the secret calculation unit 443a determines whether or not each customer is the target of score calculation based on the received homeownership, family structure, and age. That is, the secret calculation unit 443a determines whether or not the condition is satisfied for each customer.
  • the secret calculation unit 443a extracts the annual income, age, deposit balance, years of residence, family composition, and years of service from the score calculation formula (calculation logic 412a) of the business operator A. Then, the secret calculation unit 443a transmits a request for acquisition of the annual income, age, deposit balance, years of residence, family structure, and years of service of the customer to be scored to the secret calculation server 510 and the like. Then, the secret calculation unit 443a receives the annual income, age, deposit balance, years of residence, family structure, and years of service from the secret calculation server 510 and the like.
  • the secret calculation unit 443a extracts the company coefficient and the company average annual income from the score calculation formula (calculation logic 412a) of the business operator A. Then, the secret calculation unit 443a specifies the work place and age as the attribute values necessary for acquiring the company coefficient and the company average annual income, and the work place and age of the customer to be scored for the secret calculation server 510 and the like. Send a request to get. Then, the secret calculation unit 443a receives the work place and the age from the secret calculation server 510 and the like. Then, the secret calculation unit 443a encrypts the company name and age from the contents of the company information 311 included in the calculation logic 412a, and then associates the received (encrypted) work place (company name) and age. Identify the company coefficient and average annual income earned.
  • the secret calculation unit 443a extracts the commuting time from the score calculation formula (calculation logic 412a) of the business operator A. At this time, the secret calculation unit 443a transmits a request for acquisition of the work location and the address to the secret calculation server 510 and the like. Then, the secret calculation unit 443a receives the set of the work location and the address from the secret calculation server 510 or the like. Then, the secret calculation unit 443a calculates the commuting time for each customer from the set of the work location and the address by a predetermined calculation.
  • the secret calculation unit 443a uses the divided data secretly distributed to the secret calculation server 510 and the like by the secret calculation to obtain the (encrypted) age, the existence of a house, the family structure, the number of years of residence, the address, the place of employment, and the place of work. , Years of service, annual income and deposit balance may be secretly restored.
  • the secret calculation unit 443a calculates the score for each customer by the secret calculation based on the above score calculation formula using each attribute value, the company coefficient, the company average annual income, and the commuting time.
  • the customer ID "01” is a customer to be proposed by the business operator A
  • the customer IDs "02" and "03" are customers not to be proposed by the business operator A.
  • I will give an example of the customer selection criteria of a certain business operator B.
  • Business B wants to create a property for the elderly and a mortgage loan for the property as a business.
  • the conditions for the customer of the business operator B are that the target age is 55 years old or older and 65 years old or less, the family structure is 2 or less, and the owner is evaluated by both the presence and absence. In other words, Business B aims to target elderly people who have finished raising children and to introduce rehouses and small suburban properties.
  • the condition for the customer of the business operator B is that the number of years of residence is 20 years or more. Then, the business operator B evaluates the commuting time as reference information and does not consider the length of service.
  • the performance status of the workplace is taken into consideration when calculating the score.
  • the business operator A evaluates the income until retirement by comparing the salary information with the income curve of the place of employment, attaches importance to the financial asset information (deposit balance), and if there is a house, real estate. Also consider the valuation amount.
  • the business operator B uses the place of employment, place of work, and salary information as a reference, while emphasizing financial assets and raising the priority when holding real estate. The business operator B sets the company coefficient in consideration of the business performance of the place of employment (company).
  • the conditions for the customer to be the target of the score calculation in the calculation logic of the business operator B are that the age is 55 years or older and 65 years or less, and the family structure is 2 or less. Therefore, if the age is 54 years or younger or the family structure is 3 or more, the score of the customer is calculated to be 0.
  • the business operator B is the target of the proposal (approach). That is, the business terminal 320 of the business B sets the condition of the score of the proposal target person in step S212 to 5000 points or more.
  • the secret calculation unit 443a parses the score calculation formula (calculation logic 412a) of the business operator B. However, the subsequent score calculation process by the secret calculation unit 443a is the same as in the case of the business operator A.
  • the secret calculation unit 443a acquires the real estate valuation amount from the concealment data. If the real estate appraisal value is not included in the customer financial asset information 212a, the secret calculation unit 443a acquires the number of years of residence, address, etc. from the concealment data, and uses a predetermined calculation formula based on the number of years of residence, address, etc. The valuation amount may be calculated.
  • the secret calculation unit 443a may send a request for calculation of the real estate valuation amount including the number of years of residence, the address, etc. to the business terminal 310.
  • the business operator terminal 310 may calculate the real estate valuation amount from the number of years of residence, the address, etc. by the business operator's own calculation formula in response to the calculation request, and return the real estate valuation amount to the marketing support device 400a.
  • the following scores are calculated for the customer IDs “01” to “03”.
  • the real estate valuation of the customer ID "03” is set to 20 million yen.
  • the real value (decrypted value) of each attribute is used to make the explanation easy to understand, but in reality, the value encrypted by the secret calculation may be used.
  • Customer ID "01" score 0 (because the age is 54 years or younger)
  • Customer ID "02" score 0 (because the age is 54 or younger)
  • the customer IDs "01" and "02" are customers that are not the target of the proposal of the business operator B
  • the customer ID "03" is the customer that is the target of the proposal of the business operator B.
  • the customer information management organization is a company that provides accounting application services online
  • the business operator is a bank, a securities company, a mortgage provider, or the like.
  • the business operator can acquire a sales opportunity of a financial product without possessing personal information or the like through the customer scoring service provided by the marketing support device 400a.
  • the customer information management organization can improve the value of customer information including financial asset information held by the company by providing business opportunities to the business operator.
  • the scoring calculation formula (calculation logic) according to the prospective customer group in the marketing support device 400a, the customers to be proposed are efficiently filtered. It becomes possible.
  • Non-temporary computer-readable media include various types of tangible storage media.
  • Examples of non-temporary computer-readable media include magnetic recording media (eg, flexible disks, magnetic tapes, hard disk drives), optomagnetic recording media (eg, optomagnetic disks), CD-ROMs (Read Only Memory), CD-Rs, Includes CD-R / W, DVD (DigitalVersatileDisc), semiconductor memory (eg, mask ROM, PROM (ProgrammableROM), EPROM (ErasablePROM), flash ROM, RAM (RandomAccessMemory)).
  • the program may also be supplied to the computer by various types of temporary computer readable media. Examples of temporary computer readable media include electrical, optical, and electromagnetic waves.
  • the temporary computer-readable medium can supply the program to the computer via a wired communication path such as an electric wire and an optical fiber, or a wireless communication path.
  • (Appendix A1) A registration means for registering the concealed data obtained from the customer information management device in the first database.
  • An acquisition means for acquiring a calculation logic for calculating an evaluation value indicating the degree of potential customers based on the customer information from a predetermined business operator, and A calculation means for calculating the evaluation value from the concealment data using the calculation logic, and
  • An output means that outputs output information based on the evaluation value, and A marketing support device equipped with.
  • (Appendix A2) The marketing support device according to Appendix A1, wherein the output means outputs a set of the evaluation value and the customer identification information corresponding to the evaluation value as the output information.
  • the calculation logic includes the financial information and the affiliation information regarding the affiliation.
  • the calculation means is From the confidential data, the affiliation and the financial information included in the customer information are specified.
  • the calculation logic Acquires the affiliation information corresponding to the specified affiliation, and obtains the affiliation information.
  • the marketing support device according to any one of Supplementary A1 to A6, which calculates the evaluation value using the specified financial information and the acquired affiliation information.
  • a customer information management device that manages customer information, Equipped with marketing support equipment
  • the marketing support device is A registration means for registering the concealed data obtained from the customer information management device by concealing the customer information in the first database, and An acquisition means for acquiring a calculation logic for calculating an evaluation value indicating the degree of potential customers based on the customer information from a predetermined business operator, and A calculation means for calculating the evaluation value from the concealment data using the calculation logic, and An output means that outputs output information based on the evaluation value, and Marketing support system with.
  • the customer information management device is Upon receiving the output information from the marketing support device, Upon receiving the proposal contents and the conditions of the evaluation value of the proposal target person from the business operator, Based on the output information and the condition of the evaluation value, the contact information of the customer who is the proposal target person is specified from the customer information.
  • the customer information management device is When the customer who is the destination of the proposal content accepts the proposal content, the marketing support system described in Appendix B2 transmits the consent and the customer information corresponding to the customer to the business operator. ..
  • the computer Obtain customer information from the customer information management device and The concealed data obtained by concealing the acquired customer information is registered in the first database, and the concealed data is registered.
  • a calculation logic for calculating an evaluation value indicating the degree of potential customers based on the customer information is obtained from a predetermined business operator. The evaluation value is calculated from the concealment data using the calculation logic. Outputs output information based on the evaluation value, Marketing support method.
  • (Appendix D1) Acquisition process to acquire customer information from customer information management device, The registration process of registering the concealed data obtained by concealing the acquired customer information in the first database, and An acquisition process for acquiring a calculation logic for calculating an evaluation value indicating the degree of potential customers based on the customer information from a predetermined business operator, and A calculation process for calculating the evaluation value from the concealment data using the calculation logic, and Output processing that outputs output information based on the evaluation value and A non-temporary computer-readable medium containing a program that causes a computer to run.

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